Legal
Effective Date: February 6, 2025
Last Updated: June 16, 2025
Welcome to Novozora.com, a finance focused educational blog offering valuable content on topics like credit, insurance, investing, and personal money management. This page outlines the legal basis under which we operate. Please read this information carefully to understand your rights, our obligations, and how we ensure a safe, compliant user experience.
1. Privacy Policy Overview
We are committed to safeguarding your privacy and personal data. When you visit or interact with Novozora.com, you agree to the practices outlined in our full Privacy Policy.
Information We Collect
- Personal data: name, email, and any information submitted via contact forms or newsletter sign-ups.
- Non-personal data: device type, browser, IP address, usage behavior via cookies and third party analytics (Google Analytics, etc.).
How We Use Your Information
- Improve user experience and personalize content
- Respond to inquiries and manage communications
- Analyze performance through anonymous data
- Comply with legal obligations
Cookies & Tracking Technologies
We use cookies and tracking tools to understand how visitors interact with our website, improve our site, and deliver relevant ads. You may manage or disable cookies via your browser settings.
Data Security
We implement industry standard SSL encryption and access controls to protect your data. However, we cannot guarantee 100% security.
User Rights
- Request access, update, or deletion of your data
- Withdraw consent or unsubscribe at any time
- Learn more by contacting us at: info.novozora@gmail.com
2. Terms & Conditions
By accessing or using Novozora.com, you agree to the following terms:
Eligibility
You must be at least 13 years old or have parental consent to use this site.
Permitted Use
You agree not to:
- Use our content for unlawful or harmful purposes
- Disrupt the operation of the site
- Share spam, malware, or mislead other users
Content Ownership
All content, images, logos, and intellectual property on this website are owned by Novozora or used under license. Unauthorized reproduction, distribution, or commercial use of any content is strictly prohibited.
External Links
We may include links to third party websites for your convenience or as part of affiliate partnerships. We are not responsible for the content, policies, or practices of those sites. Clicking external links is at your own risk.
3. Affiliate Disclosure
Some links on Novozora.com may be affiliate links. This means we may earn a small commission if you purchase through these links, at no extra cost to you. We only recommend products or services we believe provide real value to our readers.
We comply with all applicable advertising standards and disclosure rules set forth by Google, the FTC, and relevant affiliate networks.
4. Disclaimer of Liability
All content on this site is for informational and educational purposes only. We do not provide professional financial, legal, or investment advice. You are solely responsible for any decisions made based on information found on this site. Always consult a licensed professional for serious matters.
We do not guarantee the accuracy, completeness, or timeliness of content. Your use of the site is at your own risk.
5. Policy Updates
We reserve the right to modify this Legal page at any time. Any changes will be reflected with a new “Last Updated” date. Continued use of Novozora.com signifies your acceptance of the current legal terms.
6. Contact Information
For any legal inquiries, privacy-related questions, or requests under applicable data protection laws (e.g., GDPR, CCPA), please contact:
📩 Email: info.novozora@gmail.com
🌐 Website: www.novozora.com